While many Birmingham residents and tourists trust Uber and Lyft to get them to where they’re going safely, accidents still occur. Victims of Uber and Lyft accidents are often confused by the complex compensation process involved.
Fortunately, an experienced Birmingham Uber and Lyft accident lawyer can help you navigate the challenging road to compensation. Alabama requires Uber and Lyft to offer rideshare insurance for accidents involving their drivers. The policy limits offered by Uber and Lyft’s insurance are typically much higher than personal car insurance. Still, there are many important rules regarding the driver’s status that could seriously impact the availability of their insurance.
If you were injured in an Uber or Lyft accident, our Birmingham Uber and Lyft accident lawyers can help you determine the paths to compensation available in your case. Contact Howe Law today at (844) 876-4357 for a free case review.
Common Reasons Uber and Lyft Accidents Happen in Birmingham, AL
Uber and Lyft are more popular than ever. But with a rise in rideshare drivers on the roads, the chances of being involved in an accident have increased. The following are some common causes of Uber and Lyft accidents in Birmingham:
- Texting while driving
- Distracted driving
- Running traffic signals
- Driving under the influence of alcohol or drugs
- Reckless driving
- Inexperienced rideshare driver
- Improper lane changes
- Dangerous road conditions
- Poor weather conditions
There can be many other ways an Uber or Lyft driver causes an accident. Our Birmingham Uber and Lyft accident lawyers can help you no matter how your injuries come about.
Uber and Lyft Insurance Coverage for Birmingham, AL Uber and Lyft Accidents
Alabama requires Uber and Lyft to provide insurance to cover accidents in which their drivers are involved. However, it does not apply to every accident involving an Uber or Lyft driver. Whether Uber or Lyft’s rideshare insurance coverage will be offered depends on the case’s particular circumstances.
When an Uber or Lyft Driver is Not Logged into the App
Alabama requires all drivers to carry personal liability insurance coverage with at least $25,000 in bodily injury per person, $50,000 per accident, and $25,000 in property damage coverage. If an Uber or Lyft driver is not logged into the rideshare app when the accident occurred, then their personal car insurance should provide coverage for the injuries they caused. However, Uber or Lyft’s insurance will not be available since the driver was off duty.
When an Uber or Lyft Driver is Waiting to Accept a Passenger
Suppose an Uber or Lyft driver was logged into the app but waiting to select a pickup when an accident happens. In that case, Uber and Lyft offer supplemental coverage if the driver’s personal insurance is insufficient to cover the damages. If the driver’s insurance can cover your damages completely, Uber or Lyft’s excess coverage will not go into effect. Uber and Lyft offer $50,000 in liability coverage per person and $100,000 per accident to cover the difference if there are still damages remaining after maxing out the rideshare driver’s policy.
When an Uber or Lyft Driver is Picking Up a Passenger or Transporting One
Uber and Lyft offer the most insurance coverage when an accident involves a rideshare driver transporting a passenger or on their way to pick one up. For these types of accidents, Uber and Lyft offer $1,000,000 in liability coverage and $1,000,000 in uninsured and underinsured coverage. Uber and Lyft’s policies significantly protect passengers as they can recover compensation even if an uninsured or underinsured driver causes the accident. Our Birmingham Uber and Lyft accident lawyers can help you determine what insurance coverage is available to get the compensation you deserve.
Filing a Lawsuit After Uber and Lyft Accidents in Birmingham, AL
Some Uber and Lyft accident victims’ injuries might require more compensation than insurance can provide. When insurance fails to provide the coverage a victim needs, they should consider filing a lawsuit against the negligent party.
Suing the At-Fault Driver
You can file a lawsuit against an at-fault driver if your insurance claim was denied or the settlement offer made was too low to cover your damages. Alabama is an at-fault state, meaning you can sue an at-fault driver to recover compensation for your injuries. For instance, if another driver caused an accident with an Uber or Lyft you were riding in, and their insurance, along with Uber or Lyft’s insurance, could not cover your damages, you could file a lawsuit against them. The case is the same if a rideshare driver’s insurance cannot cover your injuries.
Suing Uber and Lyft
Filing a lawsuit against Uber and Lyft is much more complicated. Uber and Lyft drivers are not considered traditional employees of those companies. Instead, rideshare drivers are independent contractors. This means that Uber and Lyft cannot be held liable for accidents that rideshare drivers cause in most cases.
Victims will only be able to sue Uber or Lyft in rare cases. Uber and Lyft could be held liable if it can be shown that they violated any of the regulations placed on them by Alabama law. For instance, Uber and Lyft must conduct criminal background checks for new drivers and complete additional background checks every two years. If they violate this or any other regulations, they can be held accountable for their conduct. Our Birmingham Uber and Lyft accident lawyers can help you prepare your lawsuit if insurance failed to provide the compensation you need
Types of Evidence Used to Prove Liability for Birmingham, AL Uber and Lyft Accidents
Lawsuits require a variety of evidence to recover compensation successfully. The following are types of evidence used to prove liability in a Birmingham Uber and Lyft accident lawsuit:
- Police reports
- Accident reports
- Medical records
- Physical evidence from the scene
- Photographic evidence from the scene
- Traffic-light camera footage
- Security surveillance footage
- Dash-cam footage
- Smartphone footage
- Property damages estimates
- Eyewitness statements
- Expert witness statements
Our Birmingham Uber and Lyft accident lawyers can help you obtain the evidence you need to hold the negligent parties accountable.
Our Birmingham, AL Uber and Lyft Accident Lawyers Can Help
If you or a loved one has been injured in an Uber or Lyft accident, our Birmingham Uber and Lyft accident lawyers can help you determine the parties responsible for compensating your damages. For a free case assessment, call Howe Law at (844) 876-4357.